Self-disclosure form for a Spain or Portugal mortgage: what goes in it?
The self-disclosure is the structured overview of your finances that Spanish and Portuguese banks need to assess a non-resident application. All 65 fields from 11 sections are set out on this page, so you can see in advance what has to be gathered. The bilingual version, fillable on screen, is free by email.
How many sections and fields does a self-disclosure form have?
A self-disclosure form covers 11 sections and 65 fields for a Spanish or Portuguese mortgage. The sections are personal data, tax status and residency, residence permit, bank account, current employment, monthly net income, monthly outgoings, available equity, existing property, other liabilities and the signed declaration. The bilingual version, fillable on screen, is free by email.
What you get
The list above is complete — the template is that same structure as a fillable document: two columns for applicant and co-applicant, German and English side by side, fillable on screen and ready to sign.
- Self-disclosure DE/EN · 3 pages, 65 fields, two columns, fillable or printable
- Straight to your inbox · as an attachment, ready to use
Self-disclosure form to fill in, German/English (PDF, 3 pages) — open it directly, no form.
Assets and liabilities statement DE/EN — every field on one page (with the template as PDF, 2 pages) — property, liabilities and other assets on one sheet. Lenders ask for it alongside the self-disclosure form as soon as you already own property.
All 11 sections of the self-disclosure
The 11 sections are personal data, tax status and residency, residence permit, bank account, current employment, monthly net income, monthly outgoings, available equity, existing property, other liabilities and the signed declaration.
- What is the self-disclosure for a Spain or Portugal mortgage? It is the structured overview of your finances that Spanish and Portuguese banks need to assess a non-resident application. All 11 sections and 65 fields are set out on this page, with a fillable German/English version free by email. The Portuguese banks.
- How is it different from a normal bank form? Spanish and Portuguese bank forms are built for residents. The self-disclosure adds the four entries the assessment turns on — country of residence and tax status, residence permit, currency of income, and property held abroad. The Portuguese banks.
- What does the bank read out of it? Four calculations: whether the payment can be carried long term (Spain's usual 30–35 % debt-service ratio), whether there is enough equity (Spain up to 70 %, Portugal up to 80 %, plus non-financeable purchase costs), whether the term fits the age (repaid by 75, the younger borrower counting), and what is already committed. Costs of buying in Spain.
- What goes into a self-disclosure form for a Spanish mortgage? A self-disclosure form is the structured summary of your financial circumstances that Spanish and Portuguese banks require in order to assess a non-resident application.
It covers eleven sections: personal data, tax status and residency, residence permit for non-EU applicants, bank account, current employment, monthly net income, monthly outgoings, available equity, existing property, other liabilities, and the signed declaration.
Each section has two columns, one for the applicant and one for the co-applicant.
Every field is set out openly on this page so that you can see in advance what has to be gathered — because follow-up requests are the single most common reason a Spanish mortgage application drags on for weeks.
The bilingual version, fillable on screen, is free and arrives by email; the template is dated May 2026. It replaces neither the bank's own paperwork nor a credit assessment — it prepares both.
This is the full content of the template. Knowing what is asked means gathering once instead of supplying three times — follow-up requests are the most common reason a Spanish mortgage application drags on for weeks.
Personal Data (Section 1)
10 fields; Surname; First name; Street, number; ZIP, city, country; Date of birth; Nationality; Marital status; Number of children; Phone / mobile; Email.
- Tax Status & Residency (Section 2): 5 fields; Country of residence; German Tax-ID (TIN); NIE (Spain) / NIF (Portugal); Other foreign Tax-ID; Tax status in Germany: unlimited or limited (NRA).
- Residence Permit (if non-EU) (Section 3): 4 fields; Type of permit; Issue date; Valid until; Settlement permit?
- Bank Account (Section 4): 3 fields; Bank and country; IBAN; BIC / SWIFT.
- Current Employment (Section 5): 5 fields; Type of employment; Profession; Employed since; Employer and country; Contract duration: permanent, probation or fixed-term.
- Monthly Income (net) (Section 6): 8 fields; Salary (net); Recurring variable income; Self-employment income; Pensions; Rental income (net); Child benefits; Alimony received; Other income; Every line has its own field for the currency.
- Monthly Expenses (Section 7): 7 fields; Housing (rent or mortgage); Health insurance; Other insurance; Cost of living; Loans / leasing; Alimony paid; Other expenses; Every line has its own field for the currency.
- Available Equity (Section 8): 5 fields; Bank savings; Securities / portfolio; Life insurance (surrender value); Building society savings; Other assets.
- Existing Property (Section 9): 9 fields; Number of properties; Country and location; Total market value; Total living space; Monthly rental income; Existing loans: outstanding balance; Monthly mortgage payment; Of which in Germany — as security; Free land charge available?
- Other Liabilities (Section 10): 5 fields; Type of liability; Creditor and country; Total outstanding balance; Total monthly payment; Guarantees / sureties.
- Declaration (Section 11): 4 fields; Confirmation that the information is complete and truthful; Undertaking to report changes without being asked; Purpose limitation: data processed solely to prepare the financing request; Place, date and signature — applicant and co-applicant.
In the template, every section has two columns: applicant and co-applicant. Template as at May 2026.
Four entries a Spanish bank form does not provide for
Spanish and Portuguese bank forms are built for residents. Where residence and income are abroad, they lack exactly the fields the assessment turns on — and the bank then asks for them one at a time, costing days each round:
Country of residence and tax status — unlimited or limited tax liability (NRA), plus NIE or NIF — this determines the entire document list (section 2); Residence permit — type, issue date, expiry, settlement permit — for non-EU citizens the bank's first question (section 3);
Currency of income — every income line carries its own currency field; income in francs, dollars or pounds is assessed differently from euros (section 6); Property abroad — market value, outstanding balance and payment per property with the country — and explicitly which part sits in Germany and carries a free land charge (section 9).
What a Spanish or Portuguese bank reads out of it
The bank does not assess you as a person; it runs four calculations. All four are already in the self-disclosure, before any application is filed — which is why this single sheet is enough to say whether a case holds.
- Can the payment be carried long term? (Sections 6 and 7): Income minus expenses minus the future payment. For the self-employed the figure that counts is not turnover but taxable profit less tax and social security — the actual net. Three sets of annual accounts are required for that. The permitted debt-service ratio in Spain is usually 30 to 35 per cent; Germany works no differently.
- Is there enough equity? (Section 8): Spain lends non-residents up to 70 per cent of the lower of purchase price and tasación, Portugal up to 80 per cent of the valuation. On top come the purchase costs, which no bank finances — 10 to 13 per cent of the price in Spain, around 10 per cent in Portugal. Both have to be demonstrably in place in section 8.
- Does the term fit the age? (Sections 1 and 5): Loans are normally repaid by age 75. With two borrowers, the age of the younger one counts — 60 and 50 gives a 25-year term instead of 15. The younger borrower does not need qualifying income of their own, but both must be on the title, the smaller share holding at least 10 per cent.
- What is already committed? (Sections 9 and 10): Existing loans, guarantees and instalments reduce the payment you can carry. The other way round, property you already own can be what makes the purchase possible: an unencumbered German property carries up to 80 per cent of its lending value as capital for the purchase in Spain. That is exactly why section 9 asks about the free land charge.
Next: the documents that evidence these entries · requirements in detail · German property as security
What this template doesn't replace
The self-disclosure is a working template, not a loan application and not legal or tax advice.
It does not replace the evidence the bank will also want to see — that is set out in the document checklists for Spain and Portugal.
Frequently asked questions
Is there a self-disclosure template for a Spanish mortgage?
Yes — all 65 fields from 11 sections are set out openly on this page, so you can see beforehand what needs gathering. The bilingual (German/English) version, fillable on screen with two columns for applicant and co-applicant, is free by email or directly as a PDF.
Does the self-disclosure form for a Spain or Portugal mortgage have separate columns for a co-applicant?
Yes. In the template, every section has two columns, one for the applicant and one for the co-applicant. The declaration in section 11 is signed by applicant and co-applicant.
Why does the self-disclosure form ask for the currency of each income line?
Every income line carries its own currency field, because income in francs, dollars or pounds is assessed differently from euros. Spanish and Portuguese bank forms are built for residents and lack the fields the assessment turns on.
Related pages
The Portuguese banks
Portuguese banks for non-residents: 14 lenders at a glance — CGD, Millennium BCP, Novobanco, BPI and more, up to 80 % loan-to-value, 2026 merger status.
Costs of buying in Spain
Cost of buying property in Spain: ITP by region, notary, land registry, lawyer — the full breakdown with a worked example.
the documents that evidence these entries
Mortgage checklist Spain & Portugal for non-residents: free PDF checklists with documents, key figures and terms, as at 2026, straight from practice.
Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.